Comprehensive Guide: How to Buy a Home that Suits Your Needs

DALL·E 2023 10 17 17.29.10 Photo of a backyard of a house showcasing a newly built patio area with comfortable seating and green plants

Comprehensive Guide: How to Buy a Home that Suits Your Needs

rumahibs fb cover 03

tiktok rumahibs click

1. Introduction

Buying a home is not something to be done lightly. It is one of the biggest financial decisions of a person’s life. Therefore, there are many factors to consider before you make this decision. From determining the appropriate type of home, understanding loan eligibility , to choosing a strategic location , every aspect plays an important role in the home buying process.

Why Buying a Home is an Important Decision

Buying a home is more than just getting a place to live; it is a long-term investment that can provide good returns in the form of increased property value and financial stability. In addition, owning your own home provides a sense of security and independence that renters cannot enjoy.

What to Consider Before Buying a Home

Before you start the buying process, there are a few things you should consider:

  1. Budget : How much can you afford to spend? Have you prepared enough cash ?
  2. Loan Eligibility : Are you eligible to get a housing loan? You can use the bank’s financing eligibility calculator or loan eligibility check to find out more.
  3. Location : Where is your desired location? Is it close to work or the children’s school? The location of the project is also an important factor.
  4. House Type : What type of house are you looking for? Do you prefer terrace houses, bungalows, or apartments? Or maybe you are interested in a more sustainable IBS home ?
  5. Additional Costs : Don’t forget to consider additional costs such as property taxes, maintenance fees, etc.

By considering all these factors, you will be better prepared to make the right decision. At Masjaya Eco Construction , we offer a variety of house options that suit your needs and budget, from 1-storey houses to 2-storey houses and cheap bungalows .

DALL·E 2023 10 17 12.22.48 Photo of a modern kitchen with freshly installed cabinets a granite countertop and stainless steel appliances symbolizing a DIY renovation

2. Understanding the Types of Houses

Choosing the right type of home is an important step in the home buying process. Each type of home has its own advantages and disadvantages, and your choice will depend on your needs, lifestyle, and budget. Below, we will explore some of the most common types of houses in Malaysia.

Terrace house

Terrace houses are one of the most popular options in Malaysia. They are usually more affordable than other types of homes and are suitable for small to medium sized families.


  • More capable of belonging
  • Usually located in well-planned residential areas


  • More limited space
  • Lack of privacy


Bungalow houses offer more space and more privacy. This is a good choice for those looking for a home with a garden or backyard.


  • More space and privacy
  • More options for home improvement


  • Higher prices
  • Higher maintenance costs


Apartment houses are a good option for those who are looking for a home in a strategic location but have a more limited budget.


  • A strategic location, usually close to the city center or public facilities
  • Usually equipped with facilities such as swimming pools, gymnasiums, and 24-hour security


  • Limited space
  • No yard or garden

IBS House

IBS or Industrialized Building System house is a type of house built using modern construction technology and methods. It offers advantages such as energy efficiency and sustainability.


  • More sustainable and environmentally friendly
  • Faster and more efficient coaching process


  • Prices may be slightly higher than conventional houses
  • Lack of awareness or acceptance by the general public

By understanding these types of houses, it will be easier for you to make the right decision. At Masjaya Eco Construction , we offer a wide variety of houses, including 1-storey houses , 2-storey houses , and cheap bungalows , all of which are built using IBS panels for sustainability and efficiency.

1 Berapak Kos Bina Rumah Saya

3. Knowing the Loan Eligibility

Before you decide to buy a home, one of the most important steps to take is knowing your loan eligibility. This is a critical aspect that will determine the type of house you can buy and where it is located.

Bank Loans

Bank loans are one of the most common sources of financing used by home buyers. Banks offer different types of housing loans with different terms and interest rates.


  • Competitive interest rates
  • Flexibility in the loan period


  • The application process can be complicated
  • Requires good credit record

To find out your eligibility, you can use a home loan calculator that will help you calculate the loan amount and monthly payments.

LPPSA loan

If you are a civil servant, you may be eligible for a housing loan from the Public Sector Housing Finance Board (LPPSA).


  • Lower interest rates
  • Longer loan period


  • Only open to civil servants
  • Limited in the types of homes that can be purchased

Loan Eligibility Check

Before applying for a loan, it is important to do an eligibility check. This will help you know how well you qualify for a loan and what needs to be done to improve your eligibility.


  1. Collect all the necessary documents such as payslips, bank statements, etc.
  2. Use the bank’s financing eligibility calculator for an initial estimate.
  3. Consult with a financial advisor or bank officer to get a clearer picture.

Understanding your loan eligibility is a critical step in the home buying process. With this information, you will be better prepared to make the right decision and choose a house that suits your needs and financial capabilities.

DALL·E 2023 10 16 17.26.18 A beautiful and modern skyline of Malaysian cityscape representing the real estate market in 2023 with skyscrapers residential buildings and green

4. Using the Loan Calculator

After knowing your loan eligibility, the next step is to use a loan calculator to get a clearer picture of the financial commitment you will face. There are two types of calculators that are commonly used: Bank financing eligibility calculators and Housing loan calculators .

Bank Financing Eligibility Calculator

This calculator helps you find out how much loan you are eligible to receive from the bank. You need to enter some data such as monthly income, other financial commitments, and the desired loan period.


  • Provide fast and accurate estimates
  • Help you plan your budget better


  • Just as a preliminary guide, the actual results depend on the bank
  • Does not include other factors such as credit record

Home Loan Calculator

This calculator is more detailed and allows you to enter more variables, including interest rate and loan term. This gives a clearer picture of the monthly payment and the total amount to be paid.


  • More detailed and includes many variables
  • Provides a more comprehensive picture


  • May require more data and information
  • Can be quite complex for less experienced users

Using a loan calculator is a very helpful step in the home buying process. It allows you to make more accurate and informed decisions, ensuring that you choose a home that fits your financial capabilities.

2 Skim Zero Deposit

5. Choose a Location

Location is one of the most important factors in buying a house. It not only affects house prices but also the quality of life for you and your family. Here are some factors to consider when choosing a location.

Factors Influencing Location Choice

  1. Public Facilities : Is the location close to schools, hospitals, or shopping centers?
  2. Accessibility : How easy is access to the location? Is it close to a road or public transport station?
  3. Security : How is the level of security in the area? Is it well maintained?
  4. Economic Growth : Is the area developing or mature? Areas that are developing usually offer the potential for property prices to rise.

Project location

Choosing the right location also means considering the type of housing project available. At Masjaya Eco Construction , we offer a variety of strategic and developing location options, ensuring that your investment will provide a good return.


  • A carefully selected location
  • Potential increase in property value
  • Complete facilities and infrastructure


  • Prices may be higher than other areas
  • High demand can cause limited stock

Choosing the right location is key to ensuring that you and your family will enjoy living in your new home. Apart from that, a good location will also affect liquidity and the potential increase in the value of your home in the future.

DALL·E 2023 10 16 16.54.08 Photo of a beautiful modern single storey house surrounded by a garden during sunset

6. Conduct Site Visits

After choosing a location and knowing the loan eligibility, the next step is to do a site visit. This is an opportunity to see for yourself the condition of the house and its surroundings, as well as to interact with the developer or real estate agent.

What to Look Out for

  1. Building Quality : Check the materials used, paint quality, floor type, etc.
  2. Design and Layout : Does the house design suit your needs and lifestyle?
  3. Convenience : Is the house close to conveniences such as schools, shopping centers, or health facilities?
  4. Security : How is the level of security in the area? Is there 24 hour care?

House Specifications

Before taking a tour, it is wise to know the specifications of the house offered by the developer. At Masjaya Eco Construction , we provide detailed information on the specifications of the houses we offer, including materials used, interior design, and other features.


  • You’ll get a clearer picture of what’s on offer
  • Makes it easier for you to make decisions


  • This information may not be available for all property types or from all developers

Carrying out a site tour is one of the most critical steps in the home buying process. This is your chance to ensure that you make the right decision and that your investment will provide satisfaction and profits in the future.

3 Spesifikasi Rumah

7. Read and Understand the Sale and Purchase Agreement

Once you are sure about your choice of house and location, the next step is to read and understand the Sale and Purchase Agreement (PJB). This is a legal document that regulates the rights and responsibilities of both parties: the buyer and the seller.

Buyer’s Rights and Responsibilities

  1. Payment : The buyer must pay the price of the house according to the agreed schedule.
  2. Inspection : The buyer has the right to carry out an inspection due diligencebefore signing the PJB.
  3. Collection of Keys : Buyers are entitled to receive house keys according to the agreed schedule.

Seller’s Rights and Responsibilities

  1. Delivery of Property : The seller must deliver the property in the agreed conditions.
  2. Legal Documents : The seller must provide all necessary legal documents, such as land certificates and building permits.
  3. Warranty : Some sellers offer warranties for some home components, such as the building structure or electrical installation.

Reading and understanding PJB is a critical step that should not be ignored. If necessary, consult with legal counsel to ensure that all terms and conditions in the PJB are fair and in accordance with the law. Remember, once signed, the PJB becomes a binding legal document, so make sure you understand it well.

DALL·E 2023 10 16 13.43.38 Photo of a newly built modern home on an individual plot of land with a foreground of green grass and a clear sky

8. Key Handover Process

Happy! You have successfully gone through various stages in the home buying process. Now comes the most eagerly awaited moment, namely the key handover process. However, there are several steps you need to take before and after receiving the keys to your house.

What To Do Before Getting The Key

  1. Final Payments : Make sure all payments, including closing fees and taxes, have been completed.
  2. Final Inspection : Perform a final inspection on the property to ensure all terms of the Purchase and Sale Agreement have been met.
  3. Documentation : Make sure all relevant documents, such as ownership certificates and payment certificates from the bank, have been received.

What To Do After Getting The Key

  1. Property Inspection : Check the condition of the home to ensure there is no damage or deficiencies.
  2. Utility Registration : Register or transfer names for utilities such as water, electricity, and gas.
  3. Installation of IBS Panels : If you choose a house with an IBS system, make sure the installation of panels and other components has been completed and is functioning properly.

Receiving the keys is the final step in the home buying process, but it doesn’t mean your job is done. There are still several things that need to be taken care of to ensure your house is ready to move in. With good planning and attention to detail, you will enjoy this process and soon be able to enjoy your dream home.

DALL·E 2023 10 17 17.45.33 Photo of a serene bedroom with pastel colors emphasizing comfort and simplicity after a cost effective remodeling9. Conclusion and Next Steps

Congratulations, you are now a new homeowner! The process of buying a home requires a lot of attention, time, and effort, but the satisfaction of owning your own home is second to none. From choosing the type of house, determining the location, to the process of handing over the keys, every step is part of the journey that takes you to the door of your dream home.

The next step

  1. Home Maintenance : Don’t forget to maintain your home to keep it in the best condition. This includes regular maintenance and renovations if necessary.
  2. Home Insurance : Consider taking out home insurance as additional protection.
  3. Next Investments : Once you own a home, you may want to consider investing in other properties as a source of passive income or for other purposes.

Contact us

If you have questions or need further assistance, don’t hesitate to contact Masjaya Eco Construction . We are a leading IBS construction company in Selangor, Malaysia, offering a wide selection of high-quality homes to suit your needs and budget. You can also contact us via Facebook or Instagram , or call us directly on telephone number 016-3547300.

With this, the article on “How to Buy a House” is complete. We hope this information is useful and helps you on your journey to buying your dream home. Welcome to your new home, and hopefully it will be a beautiful start to your new life!